FIRECalc: Retirement Planner

Name: FIRECalc: Retirement Planner
Rating: 4.6 (10 reviews)
Author: Timothy DeGraff

Investment | Retirement | 401k

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

10 Ratings
Age Rating

4+
Years
Category

Finance
Developer

Timothy DeGraff
Language

EN
English
Size

17.4
MB

You may be closer to retirement than you think! Unlike traditional calculators, FIRECalc optimizes your custom withdrawal strategy including Aid to maximize your runway! FIRECalc: The Custom Engine for Financial Independence Are you on track to retire early? Or are you just guessing? Most retirement apps rely on elementary math like the "4% Rule," assuming you will withdraw the exact same amount every year. FIRECalc was designed to customize your retirement runway in a way that other calculators miss by running thousands of market simulations against your specific budget, all with a sleek and easy to use interface. WHY UPGRADE TO PREMIUM? The base app includes powerful features like investment tracking, budget tracking, growth plans, 5 year retirement Burndown optimization, and government aid calculators including Medicaid and SNAP (food stamps). But when you upgrade to FIRECalc Premium, you unlock a custom FIRE Burndown Engine that acts as your personal financial pilot: Smart Drawdown Strategy: We don't just tell you if you can retire; we tell you how. Our engine automatically puts your withdrawals in the most effective order (Cash, Roth, 401k, Brokerage, Crypto, HELOC) to minimize taxes and maximize longevity. Prefer your own approach? Switch to Custom and drag accounts into any order you like. Tax-Aware Planning: Every year of your plan is calculated with taxes in mind, so you see what you actually keep, not just what you withdraw. Definitive Answers: Get data-backed answers to your most important questions: What is my exact Retirement Age? What if I work 1 more year, or 1 less? What is my safe Annual Budget? And precisely How Long Will It Last? Unlock Hidden Income: Unlike traditional calculators, we factor in potential Government Aid (like Medicaid and SNAP for all 50 states) during your "gap years," effectively extending your portfolio's life. Just turn on "Include Aid in FIRE?" and FIRECalc plans your withdrawals to keep your income under aid limits. HELOC Strategy: Home equity loan draws don't count as income. When aid is on, FIRECalc can draw from a HELOC to help you stay under Medicaid and SNAP limits without triggering a taxable event. Don't plan to use aid? Turn it off with one tap. Secure Cloud Sync: Your data syncs securely across all your Apple devices via iCloud. Your plan is safe even if you lose your device. KEY FEATURES Multi-Asset Tracking: Full support for 401k, Roth IRA, HSA, Crypto, Metals, and Real Estate. Flexible Scenarios: Test "Lean FIRE" vs "Fat FIRE" budgets instantly. Download FIRECalc today. You may be closer to freedom than you think. NOTE: this app is not intended to impersonate the identity of any government agency. It is not possible to apply for SNAP/EBT Benefits or Medicaid/ACA/Medicare via this app. This app is only intended to give an estimated calculation only based on public information on federal and state websites. Terms of Use: [www.apple.com/legal/internet-services/itunes/dev/stdeula](https://www.apple.com/legal/internet-services/itunes/dev/stdeula/)

Ratings & Reviews

4.6

out of 5

10 Ratings

Great Tool
Jan 28
Hffhbcghh
I've been deep in the FIRE community for years, running endless scenarios on web tools like the original FireCalc, cFIREsim, and others. This app is hands-down the best mobile retirement planner I've used — especially for anyone serious about custom drawdown strategies and bridging to government aid.
Great Tool
Jan 28
Hffhbcghh

I've been deep in the FIRE community for years, running endless scenarios on web tools like the original FireCalc, cFIREsim, and others. This app is hands-down the best mobile retirement planner I've used — especially for anyone serious about custom drawdown strategies and bridging to government aid.
Intuitive and helpful!
Jan 30
Tigers2011
This is an appI would pay for- it’s so useful! Such a clean interface and clever features. Very user friendly.
Intuitive and helpful!
Jan 30
Tigers2011

This is an appI would pay for- it’s so useful! Such a clean interface and clever features. Very user friendly.
Pro Retirement Calculator
Jan 29
SpartanChewy
This retirement planner is literally the best I’ve ever seen. Design is sleek, has everything you need including gov aid, and the FIRE tab is so much more useful than typical calculators. Highly recommend.
Pro Retirement Calculator
Jan 29
SpartanChewy

This retirement planner is literally the best I’ve ever seen. Design is sleek, has everything you need including gov aid, and the FIRE tab is so much more useful than typical calculators. Highly recommend.

- Added automatic draw order in FIRE for premium users, using your most advantaged bucket of money first! - Improved tax calculations and accuracy for fixed and pre-retirement expenses - Added Aid toggle in FIRE, so users can choose whether plans assume Medicaid and SNAP benefits when eligible - Added HELOC strategy to have enough cashflow to live off and stay under aid income limits, when advantageous - Keyboard and small-screen fixes, plus iOS 27 support

Version 1.3 Oct 20

Data Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

Information

Seller: Timothy DeGraff
Size: 17.4 MB
Category: Finance
Compatibility: Requires iOS 15.0 or later.

iPhone
Requires iOS 15.0 or later.

iPad
Requires iPadOS 15.0 or later.

iPod touch
Requires iOS 15.0 or later.

Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
Languages: English
Age Rating: 4+

4+

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In-App Purchases: Yes

Premium Monthly Access $79.99

Premium Monthly Access $9.99

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